It's widely known in the low cost investment world that Dave Ramsey has become a total slime ball. I am unaware of a way to incur higher fees than to go with his network of investment advisers. I really think he needs some jail time.
How do you get the money out of their grasp? The easiest way that I know of is to first find what bonuses are available with Fidelity. Call them or click the box or whatever is needed and then just move everything online. If you want help, they have brick and mortar stores and will do all the work for you right there. Once there, I think you need to rethink what you're doing within Fidelity. There's no need for their "advice" for investing. You can ask on Bogleheads and receive much better, lower cost, more stable, simple advice.
I have most of my money at Fidelity, so am pretty familiar with banging around their site. To find the funds to go with, go to research, click low cost and just hit the "show me" button (or whatever it says today). On the left, you'll click through some of the different options and find minimum investment. I click $25k because for some reason, there isn't a $10k option. But doing the $25k removes all the $100M options. Now hit the expense ratio column header. Hit it again. Now the funds should be listed from low to high ER. You'll find a total US Market Premium listed and there's your US stock fund. Now, you can change type of investment to Bond and work the same magic. Finally, international. With these, you're going to get the lowest cost index funds Fidelity has. Use them.
The market for brokerage houses has changed dramatically in the last 2 years. Vanguard, who in the past was the low cost leader has fallen behind. Yes, they have the most low cost index funds.....but if you're buying 3 funds, why does having another 100 available help? Schwab is lower cost than anyone. Unless you have $100M minimum for Fidelity's institutional premium shares. Schwab has recently matched their low ETF ERs with the same mutual fund, so it's now a rival to both Vanguard and Fidelity. If you really, really fell that Vanguard has the best products but don't like hour long phone waits and having to get a Medallion signature for everything, consider TDAmeritrade. Sign up for free ETFs and buy any of the most popular Vanguard ETFs at the same cost as if you were inside Vanguard. Like Fidelity and Schwab, you can go to a TDA store or call at 10 at night and not get the message that "we don't work this late, sorry, call us when your banker gets to work".
Full disclosure, I have accounts at Fidelity, TDAmeritrade, Schwab and Vanguard. I see first hand what they're all doing.